<p>Steve MA - Totally agree when it comes to parent accounts (husband and wife should be joint to avoid issues if one dies). What I’m trying to avoid with a joint account with my D is any credit history issues that could affect me from ID theft or other problems on her account. Might be a remote possibility, but it’s been engrained in me since I was a college student not to be on your own kid’s accounts, whether bank or credit card or car loan or what have you. Having said that, I’m remaining open to the possibility if it turns out that’s the best way to go.</p>